Predatory lending is the practice of lending money to people who are desperate, financially uneducated and easy to take advantage of. And it usually involves really unfair terms. 

Debt Heads co-host Jamie Feldman uses the term loosely when it comes to the $20,000 of credit card debt she started paying down two years ago.

She was not a victim of the kind of predatory lending that leaves people repaying loans with massively high interest rates and unattainable terms.

She would (and does), however, argue that most lending practices from credit card companies, as they are structured legally, are predatory just by nature. 

Take, for example, the practice of credit limit extensions. Especially the ones you never asked for in the first place. 

This week, part three of our four-part “how did you get into so much debt in the first place?” series, we discuss predatory lending practices, sky high credit limits and how to better protect yourself from the lure of credit card companies. 

Today, let's pretend for a few minutes that we’re Keith Morrison on Dateline and catch a predator -- together. 

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